Intersecting gender and youth financial inclusion in agrifood systems: Evidence from northern Nigeria

The agrifood system employs one-third of the global workforce, yet young women and men continue to face persistent constraints to joining this workforce, including financial exclusion. Financial exclusion constrains agricultural employment by limiting young people’s ability to engage in work and to scale operations. Yet the existing literature often overlooks how gender and youth intersect within these dynamics.

Using intersectionality theory and institutional analysis, this study examines barriers to financial access and adaptation strategies among young men and women (ages 18–30) in northern Nigeria’s agrifood systems. The analysis draws on 61 semi-structured interviews and 51 focus group discussions with young women and men, alongside key informant interviews with financial service providers and market actors, across five northern Nigerian states with large populations that are “unbanked,” meaning not engaged with formal financial institutions.

Drawing on these qualitative data, the study reveals that formal and informal financial institutions jointly reproduce patterns of unequal gendered access. While young men leverage wider mobility and networks to secure trading capital, young women’s restricted mobility and limited collateral confine them to smallscale processing with few growth prospects. Financial exclusion is further compounded by geography, insecurity, and the gendered structure of digital finance. Youth adapt to these institutional gaps through collective savings, trust-based credit, and in-kind payments. The study calls for gender-sensitive, digitally inclusive financial services that complement informal systems, offering an integrated institutional–intersectional framework for promoting inclusive agrifood systems transformation. Its central contribution is an institutional–intersectional analysis of financial exclusion in agrifood systems, showing how formal and informal institutions jointly, rather than separately, produce gendered patterns of access.